Car Insurance Claims
Tips to ensure your claim is processed in a timely manor
November 29, 2010 | Author admin
There are a couple of key factors that will help process your claim within a timely manor:
1. Be sure to fill out all of your personal information on each claim form. Sometimes the company will ask for the information several times on each page, it is necessary for you to complete the information each time. It seems redundant, but it is necessary.
2. Make sure to give your physician the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
3. Make sure to give your employer the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
4. We will also need a copy of your Operative Report faxed to our office.
5. We will need ANY copies of itemized statements, chiropractor visits, or any doctors visits.
6. Claims should be filed within 14 days of the accident or sickness. The sooner we receive your completed paperwork, the sooner the claim is filed and processed.
7. You can check on the status of your claim 24 hours a day by visiting the Insurer’s direct website or by contacting our office.
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Insurance: 21 Auto Insurance Claims FAQs | ArticleBiz.com
November 29, 2010 | Author admin
Following are 21 auto insurance claims FAQ’s:
1. What is an auto insurance claim? Claim by made a policyholder to his auto insurance company in case of an accident or any other damage to his car.
2. When I can make an auto insurance claim? You can make an auto insurance claim within a specific period of time after you car has been wrecked in an accident or by other genuine means.
3. When will I have to pay for deductibles? You will have to pay for the deductibles if your accident is under the comprehensive or collision coverage.
4. Will the company cover cracks in the windshield? In case the cracks have resulted from colliding with any other object, vandalism, theft, storm, etc: yes.
5. How long will it take to get a respond from the auto insurance of a claim made? That depends on the efficiency of the company and sufficiency of your documentation.
6. What is a third party claim? If the at fault party has liability insurance; your filing a claim with their insurance company is the third party claim.
7. Can I make a claim if drunk? You will not be covered and also be fined for driving under influence.
8. What If I am involved in a fraud scam claim? Report immediately to the police and your auto insurance company.
9. Can I make a claim if a friend was behind my wheels during an accident? The claim settler from the company will decide who will be held responsible.
10. What if someone makes a false claim? Report immediately to the police and the auto insurance company.
11. What do I need in order to make a claim? You need to organize specific documentation to prove the genuineness of your case.
12. How do I realize which coverage supports my claim? You can either receive help from your auto insurance company’s representative or go through your policy in detail to see which coverages protect your claim.
13. Will making claims affect premiums? Claim making will increase premiums.
14. Will making claims cancel my policy? Cancellation of policy usually happens to only high risks drivers and frauds.
15. When is one given SR-22 forms? When a high risk driver consistently violates rules, then he is given them.
16. Does auto insurance pay wholly for claims? In case of comprehensive and collision coverages, deductibles apply.
17. What should I include in my claim statement? Include all the documentation that shows that your case is genuine along with the police report.
18. How can I make my claim stronger? By taking testimonials from those present in the scene and adding snapshots of the accident.
19. What happens if I am caught during a false claim? Your policy will be cancelled and driving rights seized.
20. If my policy is cancelled due to high risk driving, can I make claims through any other auto insurance company? Yes; through acceptance auto insurance.
21. When should I not apply for a claim? If the damage caused to your vehicle is lesser than the deductible. These 21 auto insurance claims questions will help you towards understanding the claim making process.
via Insurance :: 21 Auto Insurance Claims FAQs | ArticleBiz.com.
Conquering car accident claim fears
November 8, 2010 | Author admin
the other party involved – even if they have suffered an injury resulting from it.
One of these reasons is they may not think their injuries are serious enough to warrant making a claim; however any type of wound that causes you pain or discomfort or impedes your ability to conduct your normal lifestyle is sufficiently interruptive to justify claiming accident compensation.
To demonstrate how seriously vehicle accidents are considered, the UK police force now ensures that serious crashes resulting in death are approached as a murder enquiry, and the organisation has significantly tightened the treatment of road traffic accidents. Each year, official police statistics state that over three thousand people are killed in vehicle crashes, whilst a staggering 35,000 are seriously injured.
Another factor that can lead victims to be reluctant to claim accident compensation is fear of not understanding the legal process and that they could be left with hefty legal bills and an unsuccessful case.
However, your chances of obtaining a financial payout for injuries you have suffered as the result of a car accident are greatly increased by consulting the services of professional accident claims solicitors. A trained legal professional’s knowledge of the law and your rights will improve the chance of your case ending successfully, and many firms also operate on a ‘no win no fee’ basis to relieve the fear of expensive legal bills.
At Claims Solicitors, we have extensive experience in dealing with – and winning – car accident claims, to help you receive the compensation you deserve. We will guide you through the entire legal process in plain, simple English to help you fully understand what grounds you can claim on, the strength of your case and the amount you will receive if you are successful.When a motor vehicle crash occurs, for a number of reasons many victims can feel reluctant to make accident claims against
Helpful Tips On Road Traffic Accident Claim
November 8, 2010 | Author admin
ven though technology has highly developed to the point that automobiles have been made safer for use by people, road traffic accidents still abound. This is because these accidents happen not from the vehicles, however from the neglect and lack of discipline of both motorists and pedestrians. In fact, statistics demonstrate that the majority of people will go through a major accident at least once. If you happen to be one of these individuals, then you could have experienced the lengthy and inconvenient process of receiving your claim for compensation for the personal injuries you have encountered from the road traffic accident.
A road traffic accident compensation claim is made not only for financial loss although also for personal injury that arises from an accident concerning pedestrians or cyclists and cars moving along a public highway. So you become successful at obtaining your claim for compensation, it has to be shown that the opposing side was the individual that prompted your injury and is liable. The authorities will draw up a police report about the whole event. The report should consider your statement along with that of the other party and witnesses, if there are any. From this, the police will establish who they believe is liable based on who was in violation of the traffic rules and regulations.
If an unpredicted happening such as a motor vehicle collision occurs, submitting a vehicle accident claim may necessitate the enlisting of the help of insurance sector specialists including solicitors for injury claims. These experts generally examine the numerous facts of the case, and work in the direction of adequate compensation for the injured person based on the important points of the car accident, the extent of legal responsibility, and the seriousness of injuries sustained, among other aspects.
When a vehicular collision or any sort of vehicle accident takes place, laws require persons involved to stop their automobiles, and then the recommended action is for both parties to swap certain personal information and pertinent insurance plan information, should both be able to determine that no critical incapacitating injuries have been incurred by any of the two involved people. Understand that any of the two involved persons failing to stop after an automobile accident might be charged with a hit-and-run offense.
The path to getting your compensation claim for a road traffic accident could be too difficult for you. There are more than a few things that you need to accomplish for example proving the liability of the opposing party, evaluating every one of the expenses created by the accident, and so on. So, it is not suggested that you see to all of it by yourself. It is recommended that you enlist the guidance of a legal specialist in starting your compensation claim.
Credit score, Insurance score and the cost of auto insurance
November 8, 2010 | Author admin
While shopping for auto insurance, an individual always aims for lower cost of insurance. In that case a good credit score may help to lower the cost. Credit score is a statistical method of evaluating an applicant’s credit worthiness. Companies are always trying to pool that part of the consumers which will provide the maximum profit with minimum loss. So they try to judge the rate of an insurance policy against the actual amount of claim. It has been found that almost all auto insurers use the credit information to decide whether to issue a policy. They even set the premium level on the basis of the credit score.
The companies generally do not look at the actual credit report. They just look out for the credit score. In fact they receive the credit score from any of the three major national credit depositories – Equifax, Experian and TransUnion. Credit scoring is a method to determine the likelihood that credit users will pay their bills.
Credit scores are prepared by analyzing a borrower’s credit history. The factors considered while calculating a credit score are:
* The duration for which credit is used.
* The amount of credit used versus the amount of credit available.
* Record of whether payments are made in time.
* Employment history.
* Length of time at present residence.
* Negative credit information such as bankruptcies, charge-offs, collections, etc.
Now the insurance score is based on the FICO score. It is a credit score developed by Fair Isaac & Co.
Raise the FICO score: One can raise the FICO score over a period of time through the following ways:
* Pay your bills in time. Late payments can have a serious impact on your score.
* Reduce your credit-card balances. If you are “maxed” out on your credit cards, this will affect your credit score negatively.
* If you have limited credit, obtain additional credit. Not having sufficient credit can negatively impact your score.
* Do not apply for credit frequently. Having a large number of inquiries on your credit report can worsen your score.
Insurance score: There is another concept called insurance score which also plays an important role in determining the cost of insurance. An insurance score predicts whether a person is likely to file a claim in the future. This helps the insurance companies to determine the amount of premium to be charged. An insurance score is a numerical ranking based on a person�s credit history. It predicts the average claim behavior of a group of people with essentially the same credit history. Typically a good score is assumed to be above 760 and a bad score is below 600. People with low insurance scores tend to file more claims. But there are exceptions. For example, It has been found that teenagers as a group have more accidents than people of other age groups. But there are some teenager drivers who never had an accident.
Insurance scores do not include data on race or income because companies do not collect this information for insurance. Insurance score is not much concerned with the tendency to take a new credit. Instead it focuses on the issue of stability.
Studies have shown that how a person constructs his financial planning is a good predictor of insurance claims. It is accepted that people who manage their finances well can also manage other important aspects of their lives, such as driving a car. The factors such as geographical area, previous crashes, age and gender, insurance scores collectively enable auto insurers to price more accurately, so that people less likely to file a claim pay less for their insurance than people who are more likely to file a claim. Insurance scores are useful to the insurer to differentiate between lower and higher insurance risks people and thus to charge a respective premium.
There exists a kind of debate regarding the use of insurance credit scoring. Insurance companies claim that the use of these scores helps them to issue new and renewal insurance policies based on objective, accurate, and consistent information, better anticipate claims and better control risk. This enables them to offer more insurance coverage to more consumers at a fairer cost.
Opponents of insurance credit score argue that companies can use insurance credit scores to non-renew coverage regardless of whether a claim has been filed or premiums have been paid in time and that credit scoring focuses on a consumer�s economic status. People with poor credit scores sometimes pay 4 to 5 times as much as the other consumer.
One aspect of insurance score is very important. While it is easy to obtain the credit score, it is difficult to get the insurance score. There is no hard and fast rule on the part of companies to hand it over and most companies don’t.
via Credit score, Insurance score and the cost of auto insurance.
Car insuarnce – greatest tips
November 8, 2010 | Author admin
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Most of your toenails torn than sue? Well, you are not alone, after an accident or theft of the car, most people do not want to suffer through a long-winded claims.
The procedure for claims after a car accident, is supposed to be easy. After you claim, preferably in an intelligible form, a regulator estimates the cost of restoring the car and the insurance company writes you a check for that amount. Unfortunately, this process is not always so easy for millions of people who claim each year.
Here are some things you can do to settle the claims as quickly and smoothly as possible:
Wear a disposable camera in your car to take pictures of any accident scene. Record the location, time, weather, road conditions, etc. accident. Memory typically fade because notes taken on the ground, are important issues for the future.
Conversely, you can make a rough outline of damage to vehicles and property, as well as the description of any apparent injuries and other factors, if you do not have the camera. Get and keep a copy of the report to police themselves, as well.
Then call your insurer immediately: If you do not, the company could lead to the cancellation of your policy. Follow up in writing as well to ensure that your rights are protected under the law. Reread your politicians aware that the coverage you have and do not have, so you know what you can claim. Request from your agent prior to the filing of detailed information on the claims process and the fact that information about the company may need. Make sure you check the timing as well. Some policies have time limits for filing claims, introducing bills and even resolving disputes.
If your car is stolen, your initial response is to be similar to any auto accident. First, there is a police officer to visit scene and file a police report. Try to have your license plate number and the VIN (vehicle identification number) for the police. If the registration along with the stolen vehicle, try to get a duplicate copy of the transport authorities without delay. Then, notify your car insurance company immediately. Auto insurance claims for stolen cars always take longer to process because the police within a reasonable time to find stolen cars. Stay in touch with the police regarding the development of the investigation. If a car is not a realistic deadline after, get a report from the police in this regard. If the vehicle is seen, tell us immediately.
Be sure to monitor your requirements: buy your claim number and contact the insurance company or a claims adjuster for an update. Some machines insurers are able to let you monitor your claim in a position online. Sometimes write a letter to the governor or the head can get things moving. Be persistent, but not unbearable.
Double-check your policy coverage for the rental of the transport sector waiting. If the mishap was not your fault, you can get a rental car while your car is being repaired, paid for by the other driver’s insurance company. If the accident was your fault, you should have a rental reimbursement coverage. If your car was stolen, and you have insurance, your insurer is likely to award you a certain amount every day for a rental.
So, when you need to claim on your car insurance, you know that everything will be solved quickly and smoothly.
Access your own auto insurance policy!!!
November 6, 2010 | Author admin
Auto insurance is termed to be an efficient tool provided by the insurance companies that aids you to fight with any unforeseen circumstance that might occur at any point of time. It saves your money from the unsympathetic financial loss which can be occurred from auto accidents which might lead to medical payments and losses due to car accidents or from physical damage to you or to your car. Any auto insurance provides you with the insurance coverage of you, your family and loved ones, even anyone who is using your car.
Some Knowledge on Auto Insurance
November 6, 2010 | Author admin
Auto insurance is has become more than important now. Every state government has made it mandatory that any car on road cannot be without auto insurance. There are minimum liability insurance policies that are set. Every vehicle owner has the freedom to go above that minimum liability but not below. This is in order to have support during the times when there is a big mishap like accident.
Can Your Insurance Company Afford Your Claim?
November 6, 2010 | Author admin
Choosing an auto insurance policy is often considered to be all about the price of the policy. Sure you want the best coverage you can, and you want to be sure that you will get reimbursed for the types of accidents that are likely to happen to you, and absolutely you want to have the cheapest policy you can get, but what about choosing an auto insurance company that can actually afford to pay your claims?
How to Claim On Your Motorbike Policy
November 6, 2010 | Author admin
An accident can happen at any time and could have significant financial implications. A motorbike insurance policy can protect you against these burdens and will provide peace of mind on the road. But how does one go about claiming on a policy and ensure a timely processing?
